Gavop's guide to buying homeowners insurance in Elberton, GA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $39,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $103,500 | $90,000 | $100,000-$125,000 |
| 3 Bedroom | $85,000 | $80,000 | $75,000-$100,000 |
| 4 Bedroom | $146,000 | $130,000 | $150,000-$175,000 |
| 5 Bedroom | $279,500 | $250,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$113 | $482 |
| Superior Protection Discount | -$60 | $536 |
| Fire & Security Discount | -$48 | $548 |
| Hail Resistant Roof Discount | -$18 | $577 |
| Newly Constructed Home Discount | -$173 | $423 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Elbert County | $2,000 | $583 | $2,583 | $424 | $2,424 | $159 |
| Elberton, GA | $1,500 | $588 | $2,088 | $427 | $1,927 | $161 |
| Danielsville, GA | $500 | $813 | $1,313 | $591 | $1,091 | $222 |
| Royston, GA | $2,500 | $607 | $3,107 | $441 | $2,941 | $166 |
| Arnoldsville, GA | $200 | $946 | $1,146 | $687 | $887 | $258 |
| Ila, GA | $1,000 | $654 | $1,654 | $475 | $1,475 | $179 |
| McCormick, SC | $500 | $799 | $1,299 | $581 | $1,081 | $218 |
| Greene County, GA | $2,500 | $888 | $3,388 | $645 | $3,145 | $243 |
| Clarks Hill, SC | $2,500 | $469 | $2,969 | $341 | $2,841 | $128 |
| Powdersville-Piedmont, SC | $100 | $1,119 | $1,219 | $813 | $913 | $306 |
| Home Insurance Company Elberton, GA | Homeowners Insurance Agency Elberton, GA | Address | Popularity Score | Distance from Elberton (miles) |
|---|---|---|---|---|
| State Farm | Bruce Morris | 1600 S Main St Ste A, Greensboro, GA, 30642-1266 | 40.9 | |
| Allstate | Mack Mcclung | 2971 Monroe Hwy Ste 103, Bogart, GA, 30622 | 40.7 | |
| State Farm | Holly Thomason | 369 W Howell St, Hartwell, GA, 30643-1197 | 20.6 | |
| Allstate | Jonathan C Milford | 1237 S Elm St, Commerce, GA, 30529 | 36.7 | |
| State Farm | Steve Denman | 47 Greensboro Hwy, Watkinsville, GA, 30677-2515 | 36.3 | |
| Travelers | North Georgia Insurance Center | 1490 S Broad St, Commerce, GA, 30529 | 36.9 | |
| Allstate | Affordable Insurance | 837 E Currahee St, Toccoa, GA, 30577 | 44.5 | |
| Travelers | Hyman Brown Insurance Agency Inc | 11 State St, Commerce, GA, 30529 | 37.1 | |
| Allstate | Kevin Christian | 3200 Atlanta Hwy, Athens, GA, 30606 | 36.9 | |
| Allstate | Joel A Harbin | 38 Sycamore St, Jefferson, GA, 30549 | 42.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Georgia | $158,400 | $1,012 | $730 | $1,410 | $680 |
| Elbert County, GA | $81,800 | $591 | $430 | $840 | $410 |
| Elberton, GA | $82,500 | $595 | $430 | $820 | $390 |
| Danielsville, GA | $114,200 | $823 | $550 | $1,170 | $620 |
| Royston, GA | $85,800 | $615 | $440 | $850 | $410 |
| Arnoldsville, GA | $143,800 | $957 | $640 | $1,310 | $670 |
| Ila, GA | $107,500 | $662 | $480 | $910 | $430 |
| McCormick, SC | $87,200 | $809 | $550 | $1,120 | $570 |
| Greene County, GA | $175,800 | $899 | $650 | $1,270 | $620 |
| Clarks Hill, SC | $71,000 | $475 | $320 | $680 | $360 |
| Powdersville-Piedmont, SC | $177,200 | $1,133 | $780 | $1,610 | $830 |